Product Description

Monthly Fee

Monthly Fee

Monthly Fee Waived

Monthly Fee Waived

Interest

Interest

Minimum to Open

Minimum to Open

Direct Deposit Required

Direct Deposit Required

Checks

Checks

Debit Card

Debit Card

Online Banking

Online Banking

Bill Pay

Bill Pay

E-Statements

E-Statements

No Overdraft Fees

No Overdraft Fees

E-Vantage Plus Checking

Earn interest without a minimum balance requirement. Use your debit card and earn even more interest!

Smart Because

  • Earn an extra .50% rate of interest with 12 or more debit card transactions per statement cycle on balances up to $50,000.
  • Receive a refund on foreign ATM fees assessed by another financial institution up to $10.00 per monthly statement cycle

$7.50

Yes Monthly Fee Waived*

Yes Interest**

$50

Yes Direct Deposit Required***

Yes Checks

Yes Debit Card

Yes Online Banking

Yes Bill Pay

Yes E-statements***

No Overdraft Fees

Free2 Green Checking

Go green by switching to complete digital banking and save green with no monthly fee.

Smart Because

  • All your banking needs organized and at your fingertips through mobile and online banking.
  • E-Statements are FREE and easily accessed through mobile app or online banking
  • Less paper clutter
  • Your information is secure
  • You have 24-7, anywhere access

$3

Yes Monthly Fee Waived ******

No Interest

$50

No Direct Deposit

Yes Checks

Yes Debit Card

Yes Online Banking******

Yes Bill Pay

Yes E-statements******

No Overdraft Fees

 

* Monthly fee waived with Direct Deposit & Online Statements

** Earn an extra .50% rate of interest with 12 or more debit card transactions per statement cycle on balances up to $50,000

*** to Waive monthly service fee

**** Monthly Fee waived with six Debit Card transactions at $0.50 a transaction up to a $3.00 refund per month

*****Avoid the $12 monthly service fee with a $5,000 combined bank deposit balance or a $25,000 or higher relationship with our investment center.

******Enroll in E-Statements within 60 days to avoid $3.00 monthly service fee

All of Our Checking Accounts Include

 

  • Free E-Statements
  • Minimum to open only $50
  • No minimum balance
  • Online Banking with Bill Pay
  • Mobile banking with mobile deposits
  • Free email and text alerts

 

  • Free debit card and digital wallet options
    (Apple Pay, Google Pay and Samsung Pay)
  • Unlimited check writing
    (excluding Take Control Card and Teen Access Card accounts)
  • Access to 24,000 surcharge-free ATM’s nationwide within the MoneyPass Network1

 

 
 

“We offer products that cover the needs of every customer. From our tech savvy customers, to those that prefer more traditional banking methods.”

 


 
 

Smart Solutions Package

Supercharge your checking with a package service that includes security benefits, health benefits, and shopping and travel discounts

Smart Because

  • Protect your cell phone with Cellular Telephone protection
  • Protect your family and know you are covered in case of an accident with Accidental Death and Dismemberment Insurance and Common Carrier Coverage
Security Benefits

24-Hour Accidental Death & Dismemberment Insurance and Common Carrier Coverage

Coverage includes $10,000 in Accidental Death Insurance 24 hours a day. Your Accidental Death Coverage increases to a total of $100,000 when you travel by a licensed Common Carrier. The purchase of Accidental Death & Dismemberment Insurance is not a deposit of the bank, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.1

1Town and Country Bank is pleased to offer our customers insurance products as part of our Smart solutions Product. The Accidental Death & Dismemberment and Common Carrier insurance within this package is not FDIC insured. It is not a bank guarantee, and it is not a deposit.


Travel Assistance Service

Many travel assistance services are included with the above insurance plan and are accessed by simply calling a toll-free number. Also included are valuable medical and emergency assistance services such as medical evacuation and repatriation of remains benefits while traveling more than 100 miles from your home, including abroad.


Total Theft Resolution

If you become a victim of identity theft, call the toll-free number and you will be assigned to a highly qualified fraud specialist who is your single source to help resolve your problem from start to finish. You save time, avoid frustration, and get your problem corrected with the unlimited, one-on-one help of an expert. Call the toll-free number and provide the member ID number. Don’t wait, call us for advice before you become a victim. Go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.


Living Family Journal

Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information with your Living Family Journal. Ask for more details.

 

Health Benefits

Prescription Drug Discounts

This is not insurance, available through the Prescription Drug Discount Program. You and your family will receive discounts on your prescriptions through local participating pharmacies


Cellular Telephone Protection 

This service will reimburse the enrolled accountholder for damage to or theft of eligible Cellular Wireless Telephones up to $250.00 per claim. Coverage is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $250.00 per claim and $500.00 per twelve (12) month period.
* Cellular Coverage only applies while the Cellular bill is paid from the eligible enrolled account.


Total Identity Monitoring

Total Identity Monitoring provides you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. Know what is in your credit report, watch for changes in your credit score and receive alerts if something changes in your credit file. Plan your best defense with our identity theft restoration products. Our identity and credit related services harness and integrate the power of the most advanced business information resources to inform, protect, alert, and assist you in the event of identity theft or credit reporting problems. Your membership entitles you to one complimentary membership per household. (Additional family members may enroll at a 25% discount off the retail price.)6

2Total Identity Monitoring is an Optional Benefit requiring enrollment and a valid e-mail address. Only one primary account holder is covered; you may enroll additional family members in Total Identity Monitoring at a discount within the Security tab of the member benefit package site.

Shopping, Travel & Attraction Discounts

Retail & Restaurant Savings

You will have access to a dynamic shopping program which will reward you every time you use it. Go to the member benefit website or app to find great deals at hundreds of popular merchants and restaurants. Customers will find coupons and free shipping offers from top retailers and brands online and also receive discounts in stores and restaurants with mobile or print coupons.


Travel Savings and Vacation Packages

You can save up to 20% on rental cars and even more on cruises and vacation packages, simply by calling the toll-free number.

Actively enrolled Smart Solution Package Members

To create your account and download the member benefits App go to www.memberbenefitpackage.com. You will need your member ID number found on your punch out membership card on the front of your enrollment brochure- this is the brochure you received from your personal Town & Country banker. To enroll in the optional service, Total Identity Monitoring go to www.memberbenefitpackage.com and click on the Security tab. You will need the Member ID number on the front of your Member Benefits ID card for your free membership. To contact Identity Theft Resolution Service call 800.899.7175 and provide your member ID# or log in to www.memberbenefitpackage.com and click on the security tab.

 


 

Easy Switch Kit

Switching banks doesn’t have to be difficult. We have helped many customers make the switch!

Smart Because

  • Easy move of automatic deposits and withdrawals
  • Help closing your old checking account

I’m Ready To Switch Today

 

 


Disclosures

1A $1.00 foreign ATM transaction fee may be assessed by Town & Country Bank on ATM transactions at non-Town & Country Bank ATMs.

2Enroll in E-Statements within 60 days to avoid $3.00 monthly service fee

3.50% will be paid over the base rate with a monthly, automatic transfer of $10 or more

4 Town & Country Bank will decline or return any item presented to your account that will overdraw your account to the extent possible within our system. Inadvertent overdrafts are possible in limited situations; however, you will not incur a fee.

5Requires enrollment in Town & Country’s online banking service. Online transfers are available from the enrolled accounts assigned to your personal Town & Country Bank online banking service.

6Total Identity Monitoring is an Optional Benefit requiring enrollment and a valid e-mail address. Only one primary account holder is covered; you may enroll additional family members in Total Identity Monitoring at a discount within the Security tab of the member benefit package site.